Find Cheap Auto Insurance in Arkansas Without Skimping on Coverage

Car insurance in Arkansas works similar to most other states. If you’re going to be driving, you need car insurance in place, and certain minimum amounts of coverage (more on that later). This is to help ensure you and other drivers on the road are protected should anything happen. 

Before we go through the state’s minimum requirements, it helps to know the types of car insurance coverage available to you in Arkansas. 

• Collision: If you hit another vehicle or an object, this coverage is to repair or replace your vehicle. 
• Comprehensive: This covers you if you hit something other than another vehicle, like an animal, and if weather or vandalism causes damage to your vehicle, and if it’s stolen. You can think of it like a catch-all for any damage to your vehicle.
• Bodily Injury Liability: This coverage is for if you cause injury or death to another person while driving. 
• Property Damage Liability: Similar to the above coverage, but for damage to property (like a home, vehicle, building, etc.). 
• Uninsured/Underinsured Motorist: If you’re involved in an accident with someone who doesn’t have insurance or doesn’t have enough, this helps cover the costs. 
• Medical Expenses: This helps cover the medical costs for you and your passengers if an accident happens. This is important, because bodily injury liability covers the other driver’s expenses, not your own. 

These are the common types of car insurance coverage available to you, and as long as you’re above the state-required minimum coverage, you can pick and choose which coverage types to add to your policy. 

On top of that, you can add optional riders to your policy to personalize your insurance policy even more. Insurance providers offer different options for riders, but some common types include:

• Roadside Assistance: If you need a tow, a changed tire, gas, a jump, and more, this helps cover you for any roadside assistance you might need.
• Rental Reimbursement: If you need to rent a vehicle because yours is being repaired, this helps cover the costs. 
• Rideshare: If you use your vehicle for Lyft or Uber, this ensures you and your passengers have the protection you need. 

Car insurance is designed to give you peace of mind on the road, which is why insurance policies are so customizable to your needs. By adding what you need and skipping what you don’t, you can create the best Arkansas auto insurance for you and your budget.